DLax -
Interesting idea, but your formula doesn't quite seem fair to the younger member of our crew force. Somebody who is hired fairly young (say 33) and puts in a full 25 yrs would ONLY get the same retirement as a person who, for one reason or another, is hired much later in life (say 50) and works significantly FEWER years for the company. I don't know why the person wans't hired until later, but this shouldn't be a reason to lessen their required service in order to get a full retirement package. I think the younger guys in our crewforce have had more than their fair share of top heavy decisions. Just my 2 bits.